Complaint Review: USA Credit

USA Credit, commonwealth-marketing group, they may use several other names.Supposedly they are supposed to offer you a credit line to re-establish good credit.

This is odd really since they constantly ocverdraw my account which makes my bank less than happy with me. The bank can not help me. The BBB says they can't, the offical "law" ,if you will, says they can not help either.

If it is left up to me a whole lot longer I will have to go to the Pennsylvania address and have a little chat with them on their own ground. I am a disabled veteran, on a fixed income from my VA disability pension. These shysters ran their game on me and now regularly withdraw whatever they like from my account.

The first theft was just $79.95 so I faired better than those of you who were hit for $149.95 the first time. Then there is the inevitable $19.95 per month for their Service fees. Service indeed, phones dont work, neither is there any kind of customer representation, I may have to go there to represent all of us?

I refuse to close the account, it takes too long to get my direct deposit re-established from the Federal reserve.

I found the same toll free 800 number was used in their Missoula Montana location as the one used in Pennsylvania, which I found rather odd...Then too the Montana address reads broadway They run this legetimate business out of an apartment?

There are thousands of reports that these guys are ripoffs, yet nothing is being done. I can find no sort of assistance. I was very very stupid, and had faith in someone offering me a good deal.Turns out I got the shaft. Chances are I will settle this in my own way, on my own terms, in my own time. They will regret ever having heard of me...because I do not take no for an answer.

Do yourself a favor: Know that if it sounds too good to be true that indeed it is. Know nobody cares about your personal credit rating, much less is going to offer you any real help with your credit rating. Never, Ever put your account information anywhere NEAR your computer, much less give it to someone on the Internet.

I will have justice, as well as all my money back, just how far I will have to go to accomplish this yet remains to be seen. I will make the trip.

I am sorry for all of you who likewise were less than smart, and did a dumb thing. Live and learn. I have dreams of a commando type raid on their headquarters where we all break open the safe and extract every penny they owe us, and not a single penny more.Telling them what we think as we walk out the door with our money in hand.

From the look of these reports, we could arrive on their front door, en masse with several hundred determined souls making our case. If the attorneys want to fuss around with the courts, so be it. The court did not steal from me, USA Credit did, they then will not be dealing with any courts concerning me, it is me they must deal with. I am sure it will be an interesting event.

Anyone care to join me on my march to their front door? Come one come all, we just might change how these thieves are allowed to use the internet to steal from us...at any rate I WILL get mine back, with or without any outside help, I encourage all with similar concerns to contact me when it is convienant.

Jerrelli
Duluth, Georgia
U.S.A.

Click here to read other Rip Off Reports on USA Credit

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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...the victims' advocate

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...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.